If you live in an apartment in West Columbia, SC it is important to have renters insurance. Obviously, the owners of your apartment community have insurance, but it probably only covers the building not your belongings.
In the unfortunate event that your possessions are stolen or damaged by a fire or severe weather, a renter’s insurance policy will allow you to recover their value. But, also as important is liability insurance with the renter’s policy. If someone is injured during an accident in your apartment, renters insurance will help protect you in the case of a liability lawsuit.
Renters Insurance covers but is not limited to fire or lightning, windstorm or hail, freezing of the plumbing system, and theft.
Many renters believe that the landlord's insurance will cover them. But your landlord's insurance generally only covers the building where you live - not your personal belongings or your liability. Many renters also believe that they don’t need personal liability insurance. But your landlord's policy most likely does not include liability for something that happens in your rented apartment. Without liability coverage, your current and future earnings could be at risk. Renter’s insurance coverage may also provide legal defense costs.
You may think that you don't own very much. But look around you and consider what it would take to replace all that you own. Most of the time, one’s belongings are often worth more than you think.